Notices of Change (NOCs)
A Notice of Change (NOC) is a notification from the receiving bank indicating that information on an originated ACH needs to be corrected. The original transaction still processes — the NOC is a signal to update your records for future transactions. When Treasury Prime receives a NOC for an originated ACH, the following fields are populated on the ACH object:| Field | Type | Description |
|---|---|---|
noc_change_code | string | If a notice of change has been received for this ACH, this will contain the latest change code for this entry. |
noc_corrected_data | string | If a notice of change has been received for this ACH, this will contain the latest corrected data for this entry. |
Important: Only the Latest NOC Is displayed
If an ACH receives more than one NOC, thenoc_change_code and noc_corrected_data fields are overwritten with the most recent values. Previous NOC data is not retained on the ACH object.
Common Change Codes
| Code | Description |
|---|---|
| C01 | Incorrect Account Number |
| C02 | Incorrect Routing Number |
| C03 | Incorrect Routing Number & Account Number |
| C04 | Incorrect Account Name |
| C05 | Incorrect Transaction Code (e.g., checking vs. savings) |
| C06 | Incorrect Account Number & Transaction Code |
| C07 | Incorrect Routing Number, Account Number & Transaction Code |
Webhooks
When a NOC is received, theach.update webhook fires. Subscribe to this event to be notified of changes and take corrective action.
Recommended Handling
- Subscribe to the
ach.updatewebhook. - When an update is received, check
noc_change_codeandnoc_corrected_data. - Update the corresponding counterparty record with the corrected information.
- Per NACHA rules, corrections must be applied within 6 banking days of receipt or before initiating another ACH to the same account — whichever is later.
Note: Do not re-send the original transaction. A NOC means the payment was already processed successfully.